Financial Audit's Biggest Karen

I am a woman. I deserve to look good and. I deserve to do what I want and I have. to do with being a woman. >> I'm entitled to what I want and to what. I like. >> You are a Karen. >> Well, if they need to be destroyed, then. I will destroy them. >> I know for a fact this is your second. marriage and the first marriage, the. finances were completely separate as. well. So, maybe we shouldn't head down. the same path again. >> Um, maybe it's okay because I can still. spend however much money I want and he. doesn't have to say anything about it. >> Definitely sounds like you're the one. I'll be honest. >> [ __ ] you.

The summer budget reset is now live. Get. a full year of Dollar Wise Premium, plus. my four bestselling educational courses. and a digital copy of my budget friendly. cookbook and my exclusive 30-day meal. plan signed by me and mailed directly to. you. This is a better deal than we've. ever done before, and it's only for a. limited time. It is 67% off everything. So, don't wait until that first pool. party to get financially ripped. Click. the link below, save big, claim your. bonuses now. Hi, I'm Emily. I'm 42 years old. I'm.

from Salt [music] Lake City, Utah. And. I'm not Mormon and I'm not a lesbian. Oh, >> and this is Financial Audit. >> Well, you could have convinced us on the. second one. Uh, >> excuse me. >> Oh, I mean, it's the. >> It's the hair. >> It's the hair. Why? Why? To keep the. Mormons away. >> Well, yeah, you got to. >> Okay. First of all, well, I wasn't. actually expecting to bring up. lesbianism. I was expected to bring up. Mormonism, but uh but I'm glad you.

brought them both up for me, so I. appreciate that. >> Well, thanks for coming down. What do. you do up there for a living? 42. Happy. birthday, by the way. Your day of birth. >> I am an interior designer. >> Cool. What do you make? >> I make 63,000 a year. >> Dude, Salt Lake's expensive. >> It is. >> Is this a. >> 62? >> Uh that is by myself. I am married, but. our finances are totally separate. Why. are you married to a Mormon? >> No.

>> To a lesbian? >> Well, he could be considered a lesbian. >> I don't think that's how that works. So, why is it separate? How long have you. guys been married? >> We've been married for seven years. >> Why are you guys separate? What? >> Because I mean, I want to spend my money. the way that I want to spend my money, and he might not be on board with that. Yeah, but what about like self goals. like or goals that we have as a couple, goals that we want to get to together, buying houses, >> we cars, wealth, retirement, all that.

good stuff, vacations, >> um, >> she owns our home. >> I know for a fact this is your second. marriage, and the first marriage, the. finances were completely separate as. well. So, maybe we shouldn't head down. the same path again. Um, maybe it's okay. because I can still spend however much. money I want and he doesn't have to say. anything about it. >> Okay, then why the are you here if you. just want to spend all the money that. you want? >> Well, I want to be able to spend the. money on my house eventually. So, >> eventually. You guys don't have a house.

>> No, we do have a house. >> You have a house? What is eventually. then? What are you saying eventually? Trying to spend money eventually. What's. eventually? >> Eventually is in a couple years when I. have enough money to redo it. >> You want to fully redo the house? So, you pay to redo the house, but then you. guys split the equity in event of a. divorce. >> Well, we're not getting divorced, so. it'll be fine. >> Yeah, that didn't work the first time. >> Well, he was an [ __ ] This one's. better. >> That's what everyone says until they. divorce, and then everyone they divorced. was an [ __ ]. >> Well, that's true, I guess. But he's not. an [ __ ]. He's great, so it's going to be fine.

And. >> you have an odd voice. You almost sound. like a voice actor or something. >> Really? >> Yeah. Doesn't she sound like an actor? >> A little bit. I am not a voice actor. >> This is just how you sound. >> Yes. Is my voice high? >> Is that what it is? >> It's weird. >> I don't know because I don't hear my. voice the way you hear it. >> No. If this is how you sound, it's how. you sound. It's just odd. It just sounds. like you're like an actor. Cuz. >> never wanted to be an actor. >> So, what would happen if you guys were.

combined? What would happen that you're. just so terrified of? >> If we were combined, I probably wouldn't. be able to purchase everything that I. want. like my pen collection, my custom. perfumes, all my jewelry. So, I just. kind of have to. >> He doesn't buy you [ __ ] He doesn't gift. you [ __ ]. >> Jewelry. Is all his debt yours? >> All this debt is mine. Yes. >> I'm not seeing his debt. I'm not seeing. his finances cuz it's all separate. Why. the are you getting jewelry? Why are you. getting jewelry if you have a [ __ ] ton. of debt and it's all yours?

>> Well, because I have to look good. I. have to, you know, live it up for. myself. >> You failed. You got that haircut and you. wore that shirt. Excuse me. This is very. fashionable and my haircut is uh. beautiful. So. >> yeah, every woman's beautiful 2026. There's definitely no ugly people out. there. >> Oh, there's some ugly people. I'm just. not that one of them. >> Okay, you could look fine. >> I do look fine. >> Well, you have like the haircut of a. crow. Like it's. >> But I think it's beautiful. So I'm.

growing. >> And the women in the comments will agree. even though they just can't be. You're. just like you would shut down an event. that is slightly too loud for your ears. Karen, >> excuse me. No. >> Come on. You show up to the school board. meetings. >> Well, if I had a child, yes, I would. >> Ah, HOA queen. >> I love going to the HOA meetings because. >> Do you really? Oh, >> I do. >> Is that why you have such a fake voice? Cuz you're like a fake person and you. just destroy all the lives around you. >> Well, if they need to be destroyed, then.

I will destroy them. >> Actually, >> actually. Why would someone's life need. to be destroyed? >> Well, if they're annoying. >> Just annoyance. >> Why not? >> Why would I go after people if they come. after me? But other than that, I don't. just like. >> Why would you just go Actually, you are. a Karen. You're Karen Chief. Oh my. goodness. You're the ultimate Karen. >> I mean, if that's you show up to the. HOA, >> I don't think any of us knew this, but I. uh I was just We were just thinking you. look like a Karen, but then you actually.

are with how you do things. I don't. think so. I mean, if people deserve. something, if you enjoy going to the HOA. and you like destroying people's lives, kind of a Karen. >> That's your opinion. >> That's everyone's opinion. >> Well, they can think what they want. >> Okay. Okay. Well, at least you're. wearing the wedding ring, so you guys. are just fully keeping the finances. separate. You think he's too doineering? He wouldn't let you get that [ __ ] He. wouldn't let you get the. bronze. Is that what that is? Cuz that.

ain't gold. >> These are brass. Okay, even better. Brass. >> It's beautiful. >> Yeah, you got a part of a trumpet on. your ear. >> So, I mean, maybe you should have him. intervene if this is what it results in. without his interference. >> Um, I think that I look great. So, >> we've heard that. >> I don't think that he needs to interfere. with anything. >> Okay. So, that's your big fear if you. guys combine. None of the upsides if you. guys combine. You're the one that. prevents you guys being combined. I'm. I'm taking it based on your language and. how you present yourself. Well, I mean,

I guess we've never really had a full. conversation about it, but I'm good. being on my own like that. So, >> full conversation. What does it look. like over the last seven years? Financial conversations in general then? >> Well, the initial conversation was. >> Oh my goodness. He owns the home. He. owns the home. You're not a part of. this. >> No, he owns it. He bought the home. >> Yes. Well, because I. >> You moved in. >> Filed for bankruptcy. So, we didn't want. to put me on that because of the. interest rate. >> Yeah. That's someone who should have.

their finances completely separate. I. mean, I guess I would want my finances. separate from the crazy lady down the. street that keeps getting bankruptcy. >> Keeps getting only once. >> Okay. So, you're not entitled. You're. not on the mortgage. Who knows what's in. this? Is there a prenup? >> No, >> he didn't. He didn't make you sign a. prenup. You sign What does he do for. work? >> He works in the medical field. >> He's a medical assistant. And he. >> making what? >> About the same as I am. 63 65,000 a. year. Now, is it he doesn't trust to.

combine finances with you or you don't. want to combine finances with him? Which. one has it been throughout the years? Let's be honest. >> Okay. I don't want to combine finances. with him. >> Listen, I it would make sense that he. wouldn't want to with you because you're. you and I think we're already getting in. the first 9 minutes what that looks. like. But also, I feel like you would almost want to. combine finances with him. Like, you'd. be in a better place. You wouldn't go to. bankruptcy again. Look where you are. Look where you are from bankruptcy.

You're from your previous bankruptcy. still. You didn't improve yourself at. all. You didn't learn anything. You're. on financial audit. You're okay. >> I am not totally. >> You are totally okay. >> I I disagree with you, but. >> Okay. >> I mean, I can come back from this now. that I'm making more money. Things are. going to be great. So, >> yeah. Honestly, with your household. income though, you guys would have nice. eggs. That that's what I am trying to. say. Yeah, it's a great household. income. Even in a high cost of living.

area, you guys do incredibly. You. combine, you start paying off debt, you. have an emergency fund, then you guys. can actually live a really luxur not. like like crazy luxurious life, but. actually a really nice life with lots of. nice things. Actual nice things. Like. you can get gold. >> Um, brass is just like the look. So, I. don't need gold. >> Gold look. >> Beautiful. >> Your look. >> My look. >> Your looks. I think you have put them on. display for everyone to see. And I'm. going to let that stand as it is. >> Okay. >> Okay. So, you think he'd be preventing.

you from getting into that lifestyle, getting into those nice things cuz you. guys would pay off that? >> Yes. But he might not agree with me when. I want to purchase, let's say, a $10,000. sectional. So, if our finances are separate and I. can pay for it, >> isn't that what a marriage is about, though? You figure out what is actually. what you guys can compromise on. What is. a good healthy purchase that you guys. can agree upon? The fact is I'm actually. kind of concerned for this guy because. you're going to be holding him back.

He's going to have to subsidize your. entire retirement, subsidize the house. Do you pay the for the mortgage at all? >> Yes. >> Really? >> Yes. >> Okay. What hits your account on a monthly. basis? >> On a monthly basis? >> On a monthly basis? >> 4,000. >> Yeah. By the way, at 42, your retirement. is a complete joke. So, he will be. subsidizing you. Absolutely. So you can. go blow your money on sectionals. That's. why we we work together as a couple. Why. is this the one thing we don't the thing. that affects everything? Money. Unfortunately, welcome to not only.

capitalism, but even communism. It. affects everything. It really does. He's. going to be subsidizing you your entire. life. >> Well, he can take care of me because. he's the husband. >> Okay. Is that how we view our. relationship? Does he know how much he's going to have. to take care of you? >> Well, he wants to. So, >> yeah. Does he want to? tens of. thousands, hundreds of thousands of debt. potentially by the time we retired, which is based on your history, bankruptcy. He wants to take care of. that or just take care of you as in. like, yeah, provide for the house. >> Well, he provides for the house so he.

can. >> No, that's what he thinks. I'm talking. about eventually you keep putting this. off. You keep [ __ ] around, spending. all this money on all this [ __ ]. >> It'll be fine. >> How old is he? >> 46. >> Is there life insurance? >> Yes. >> And what does that look like? Well, you'll just up if you get a big pile of. cash. >> I don't know what the life insurance. looks like exactly, but I will get money if he passes away. >> Yeah, but enough to for you to survive,

though. >> Enough for me to I mean, I could pay off. the house and just at least not have. that to worry about. >> So, $4,000 is what comes in. Uh, kind. of. It was 3,800. Let's call it four. Okay, very good. What was your spending? What was your outflow? >> 3,000. >> 4,300. So if you keep going down that. path and then you need to rely on him. for your entire life afterwards. It's. not him just putting food on the table, keeping a roof over the head, it's. taking care of all your debt because you. know you would have to settle it if you. die and any assets are in your name. Who.

knows what's going to happen with the. mortgage by the time you guys you know. maybe you get on the title and whatnot. at some point. I don't know it the [ __ ]. gets so complicated with marriage and. debt and having to settle debts in order. to like protect assets. you're over. Well, you have nothing in retirement all. for your selfish desire to never have to. talk about a purchase in a marriage. That's you guys are in this together. You guys are in life together. You need. to be able to have a conversation. together. You just caring steamrolling. over everyone around you, including your.

husband, is an incredibly selfish way to. live. >> I just need to have the things that I. want. >> I need. No, you don't. You don't need. You want the things that you want. Shut. the [ __ ] up need. You've never heard of. need. You don't know what a need is. You. don't know what a it is. So stop you. No. Okay. What do you need? What do you. need? >> I need new clothes. I need new shoes. I. need. >> That's not That's want. >> Well, I mean, I need to look a certain. way for my job. >> What's your job? Cuz this right What? What the even is this? I don't even know. what this is. >> I'm an interior designer. And I.

>> This is interior designing clothes. This. is interior designing clothes. I thought. you were [ __ ] like '8s Taco Bell. I. thought you were the seat people were. sitting on. Um, excuse me. This is beautiful and fun. and vibrant and I like thinking of. things. The. >> fun. What's fun to you, dude? You're a. Karen. You shut down literally loud. noises. You like going to HOA meetings. You are not fun. What fun? What's the. fun? Your fun is telling people that. their grade of bl grass is slightly too.

high and finding them. That's your fun. walking around the neighborhood with. just like binoculars in everyone's yard. You wouldn't understand fashion clearly. and you're new money so you don't. understand. >> Are you old money? You're no money. You're debt. You're bankruptcy. What are. you talking about? New money. >> I have certain money. >> Oh, shut the expect certain things. >> What? What do they expect people to look. a certain way and to have a certain. sense of fashion? And I do. >> What? What is that sense?

>> I look amazing. What is your sense of fashion? Clearly. nothing. I think this is okay. >> I mean, okay. >> It's okay. I mean, I'm not go but I'm. not saying I look incredible. You are. Is there Is there someone with a fashion. sense here? >> Who Who's our fashion like our fashion. afficionado? >> Okay. Can we call in our favorite. Mexican Josh? >> Uh, I need him to sus you out because. what the are you talking about, dude? I.

don't think you if this is what they're. doing in Utah. No, people in Utah are. No, they don't know what they're doing. >> Brandon said you look like an Easter. egg. >> An Easter egg. >> I mean, I can see it, but a sexy Easter. egg. >> Okay. >> I am a woman. I deserve to look good and. I deserve to do what I want. And I. >> What does that have to do with being a. woman? >> You deserve to look good. Everyone. deserves to look good. Whether or not.

you do has nothing to do with your. gender. You don't look good and you. don't you're not entitled to looking. good because you're a woman. Shut the. with that. What is that? Some 2016. [ __ ] No, you're a woman. Congratulations. Yippee. You're equal to. me. Yippee. That's what we try to do in. this world, by the way, instead of. putting you on a weird pedestal. By the. way, uh and number two, you're not. entitled to looking good. It's just. however you present yourself is however. you present yourself. And then you look. good or don't. I don't know. Josh, come.

on over. Her favorite Mexican. Uh, she's. a. >> Hi, Josh. Nice to meet you. >> Now, let's see if Josh is willing to be. real or if he is going to just be nice. for the sake of nice. Here's the thing. She's an interior designer and she says. they expect a certain thing her clients. and that is high fashion and looking. really nice. >> And uh this is what she looks like. So, please. >> uh evaluate. >> I think you look great. >> Oh, no. Look, I think whenever you have. you have someone coming in, you you. probably have a specific clientele.

that's looking for your work. >> What is this clientele? >> It's probably want something a little. bit more vibrant, a little maybe a. little exotic. Maybe the type the Miami. type that wants. >> Oh, I would [laughter] Okay. I would imagine. maybe something a little bit more. vanilla, >> a little bit more like beige, a little. more, you know what I Majority of people. in Utah are a little bit more vanilla. and beige, but my clientele is the. higherend clientele. They do want. specific. >> sound fake. Doesn't that sound specific?

>> So, I'm looking at UGC creators right. now and you would be a good fit. Not a bad thing. You have the ability to. sell. >> What about the literal Karen haircut? She will destroy someone's life. >> It's not a It's not a traditional Karen. haircut. See, it's tradition. No, >> the Karen haircut is John and Kate plus. eight. You remember Kate? >> Yes. >> Yes. >> Like this soccer mom. >> It's like way more a-ine short. >> Your brain always goes back to soccer.

>> No. John and Kate. >> Get out of here. [laughter]. >> Caleb, what's your fashion sense like? >> I don't know. This for now. >> I'm evolving. >> Look, we can all work on our own things. >> We're all working on our own things. Is. this bad? >> No. I remember what how you used to. dress. >> Exactly. That's what I'm saying. I do. cut back to an old episode. >> Okay. Well, I mean, I can tell you where. it's going right now. Uh, and to answer. the question that I asked you again, 20072 came in. >> You've done 300% improvement. >> Mhm. Who's better here.

on the current wear? >> Check out my shoes. >> These were 600 a. >> I do like your shoes. >> Yeah, >> you're doing something right. >> I I think the whole [clears throat]. Yeah. >> Excuse me. These ones are much better. >> Oh, they are kind of cool. I see the. vibe. >> Caleb, you're doing a good thing. >> Who's better? >> In terms of what though?

>> Fashion. >> I like how she's representing her. personality through. >> Go play Go play your soccer. Go play. your soccer. >> Bye, Caleb. >> Yeah. Go [ __ ] yourself. >> Thank you. >> Wait, Lindsay's telling me right now. that he doesn't trust you to combine. finances. Why'd you say earlier that it. was you not wanting to combine finances? She's saying specifically he doesn't. want to. >> Well, I mean, I think it's both. So, >> Oh, [ __ ] [ __ ] [ __ ] Trying. to look good right now. She says from. all the pre-in [ __ ] it's him. >> I mean, maybe it's him that he doesn't.

>> Why? >> Why? Well, because I mean, he had to pay. for my bankruptcy when we first got. together. >> What? Right. Even when you immediately. got together, this dude for. >> He's not a wealthy man, is he? That's. why. Okay, I understand. I I get it. Okay. He didn't Okay. Limited options. Gotcha. Yes. It must be love. It has to. be love. >> It's love. >> Well, there was cuz it's He certainly. wasn't sing. I I wouldn't I wouldn't get. it. I wouldn't. Let me see what this man. looks like. I have to He won't be on. screen. I just need to see what this guy.

looks like. There has to be something. going on here. Hey, am I reading this. weird? Is this just me? Am I. I don't think I'm that. Am I not that guy? >> There we are together. >> Oh, >> for his birthday. >> Oh, you're both weird. Oh, he's tattooed. everywhere and he's rocking that uh 2012. hipster mustache. >> Yeah, >> I told him to grow that mustache. >> and he did it for me.

>> Oh [ __ ] Why is he singing? I'm. confused. He actually looks like he. could pull some weight. And I don't mean. that literally because obviously he is. already doing that, but. I mean weight outside of a better. looking. Okay. So, he had to pay for it. immediately when you guys met. >> Well, within like 6 months, I think. >> That's crazy. That's thousands. No. >> Um, I think a couple thousand. >> Well, I think that it's fair that he. would refuse to combine finances with. you. Not that you're necessarily.

advocating for it because you want to be. reckless with no punishment whatsoever. No responsibility. No. accountability at all. >> There is accountability. I mean, at least I get him gifts, too. >> A little gift here and there is not. going to make or break life. I don't. know what gift is. I mean, you're. talking about what did you say? You want. to spend 10,000 on a remodel? 20,000. Like, that's not a gift, you know? That's different. a a little notebook or. a little cute thing is that bringing.

flowers home isn't going to make or. break someone's life. Especially in your. guys' financial situation if you guys. weren't completely already, which at. least you are. I don't know if he is. This isn't about him, but it is about. the current situation you see yourself. in, but you you told the producer that. you do not ask him about his finances. because you're afraid of him asking. about yours. You're just trying to hide. You're just trying to skate by and just. hope nothing happens. skirt by whatever. it is and then he's going to bail you. out. Dude, you have [laughter] a few. thousand in retirement. That is going to.

hurt him. Him him not knowing cuz what. the is the future going to look like? >> What is it going to look like? You only. have a few thousand. You just turned 42. today. Again, congratulations on that. one. >> Thank you. >> Drowning in student loans with massive. interest rates. I see it on the show all. the time. People get a loan to advance. their careers only to be left with. skyhigh interest rates and crazy. minimums that leave their paycheck. gutted. Maybe you've already gone to a. normal lender to try to refinance your. private student loans and they looked at. your less than perfect credit score and.

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here and pretend like you get to. prioritize anything you want instead of. actually being able to pull a weight. >> in other ways, non-physically. >> I'm far from selfish. I'm so. >> You are in this relationship. financially. In this relationship. financially, you are selfish. You have. no retirement yet. You want to spend on. a renovation that you want. I have a. little bit of retirement. >> I said a few thousand at 42 is nothing. Shut the up. It's practically nothing. That compound growth by the time two. decades from now is going to be nothing. Social Security, good luck. It's going. to be pennies on the dollar.

>> Well, who knows? I might be dead by then. >> if he's lucky. But outside of that, it's. just you holding him down. You're the. weight. You're the anchor in a bad way. You're not letting his [ __ ] move. forward. >> I disagree. >> You disagree. What's your argument? You. disagree. I'll be able to make up more. money and I'll be able to get it. >> How do you make up more money? What does. this make more money? Cuz that if that. was if that was actually how things. would work 7 years ago and you went. through bankruptcy, it wouldn't be tens. of thousands OF BAD DEBT. >> TENS OF THOUSANDS. >> Tens of thousands, [ __ ] How much.

debt do you think you have? >> Like maybe 18,000. >> Okay. It's $33,76723. You have no idea what you're talking. about. Shut the [ __ ] up. You'll be. taking that [ __ ] that's not forgivable, like student loans, by the way, too, which is a few thousand dollar alone. Like, good luck. That's not going to be. brain corrupt. $9,000 in IRS that Wait, what the 9,000? >> What are you doing? Oh my. This poor guy. And what what's his.

insight into this? It It can't be much. cuz you didn't even know your number. You said 13,000. >> I said 18. >> Okay. So, you wouldn't be able to answer. a question truthfully, even if he did. ask, even though you're trying to. prevent him from asking. Oh, he should. be here. He should be here. We need to. send this directly to him when this is. uploaded. He needs to know that he is in. a precarious situation. >> He doesn't need to watch this episode. >> He actually very much needs to watch. this episode. >> No. >> Yeah, >> he'll be fine. Everything is going to. work out. >> Call him. >> You want me to call him? >> Call him.

Oh, 200,000 hours in a renovation, not. 10. What the am I saying? 200,000. You. literally have 7,000 in retirement. What. a joke when you have over 30,000. You. have more in IRS debt than you have in. retirement. >> Well, that is not my fault. >> Well, I'm sure we'll get there. I'm sure. it absolutely was. the.

>> cancel that. off. What do I do? Will he call us back? >> Yes. >> Okay. All right. He's going to call us. back cuz he's in the middle of a medical. thing, which I don't like when people. die. So, I think he should make sure. they stay alive. >> Yes. >> So, you endlessly have been nothing but. irresponsible. and you're taking him fully down with. you and you did not change. Why did you. not change or learn about anything from.

your previous bankruptcy 7 years ago? Cuz look where you are. You didn't even. know your debt situation and you spend. more than you make today. Today. Today. Right now happening here. >> Well, I need to have certain things like. I said. >> Okay. Well, stop with that [ __ ] I'm. asking Stop with that [ __ ] I am asking. why you did not change your behavior. You went through bankruptcy. It's cuz. you didn't pay for it. It's cuz you face. no consequences. He went and bought a. house. You get to live in a nice house. now. He went and takes care of. everything. It's cuz you didn't have to. deal with anything. You're an immature.

little brat. >> I am not. I. >> You are absolutely. You didn't have to. deal with the consequences or follow. your bankruptcy. You didn't even pay for. your own bankruptcy. He did. You're. entitled your entire life. Entitled and. I'm entitled to what I want and to what. I like. >> But you shouldn't be. That's horrendous. How long were you single in between your. divorce and this new man? >> 2 years. >> How' those go? Well, obviously that led. to a bankruptcy. >> Sake. Oh, guys, are we getting the. picture now? Are we getting the picture. from Karen Beast? Well, I.

>> Oh, I get it. So, the man took care of. you your entire. life, parents, daddy, then man, then the. one moment you were alone for two whole. years, you accumulated so much so much. debt and [ __ ] to sustain your lifestyle. that you thought you were entitled to, but you were no longer being enabled. that you ended up in a financial. situation where you had no way out other. than bankruptcy. And then a guy came in,

enabled you again, fed into your. entitlement, and didn't even allow you. to face any consequences or any bruises. from your bankruptcy, meaning you. learned nothing. You're doing it for the. third time all over again. Second. relationship, and then one where you're. single, going through bankruptcy. I see. the picture now. You have literally and. I still don't know how I'm not seeing. it, but. >> Okay, here. >> Let's talk to him. >> Mr.

>> Hello. How are you today, sir? >> Hi. Thank you for keeping that patient. alive for everyone. >> Oh, anytime. Sorry that took so long. So. why did you bail her out right when you. guys met by taking care of this. bankruptcy allowing her to experience. any kind of difficulties whatsoever from. her previous mistakes? >> Uh reason why I did the bankruptcy or. why we paid for the bankruptcy. >> You did you bailed her out. The the the. ex-husband was fully taking care of her,

supporting her and enabling her um. entitlements. And then the two years. that she was on her own in between, she. loaded up her debt so bad because of her. feeling of entitled to a certain. lifestyle that you came in and bailed. her out and now she's building it all. back again cuz she learned nothing. Why. would you do that? because we were. buying a house and if we would have. bought the house while we were married, um basically they would have looked at. the bankruptcy and be like, "Oh, well, you could refinance on this loan or it.

would have given us a worse interest. rate than we would what we already had.". >> Yeah, but why did you pay for the. bankruptcy? >> That's a good question. >> You bailed her out immediately 6 months. into this relationship. >> That wasn't 6 months. >> That's what she said. >> No, we were. When was that? That was September of 19. Is my memory ser? >> So, is that a year into the. relationship? >> About a year then. >> Yeah. About a year and a half. >> Even still, dating someone for a year,

paying for their bankruptcy is pretty. intense. That's quick moving. >> Mhm. >> And also, when she was building up all. this debt and everything, she was living in her brother's. basement. It's not like she could use. the excuse of, "Oh, no, she lost her. man," or whatever. meaning she lost her. roof. No, she had a free place to live. in a basement and she still [ __ ] it. all up and got bailed out. I feel like. with her, we're just enabling. No, cuz. look where she is today.

>> Yeah. >> Are you okay with it? What are we sing. for? We're sing for something. >> Well, here here's the thing, right? I've. always and I've always told her to begin. with as long as we pay the mortgage and. as long as the bills are paid, she could. do whatever she wants. What? Which one. would suspect there would be some. self-restraint there? Some. >> What? When you say you can do whatever. we want as long as we take care of the. bill, where would that lead to any. self-restraint? That actually sounds. like the opposite.

>> Well, yeah. Um, Mr. Jack, how much debt do you think she. has? >> Well, I know push almost four deals on. the car, but other than that, I don't know. >> Okay, so what would you just guess? Gut. >> m. $10,000. >> Dude, you're carrying her to her [ __ ].

grave because she's never going to be. able to contribute to this house when. you guys retire. She has $33,76723. of bad debt, including IRS debt. And. also, what do you think's in her retirement? Because you guys need to be able to. retire together. It can't just be you. What do you think's in her retirement? >> Oh, right now, probably nothing. >> Yeah, it's a few thousand bucks. She has. more in IRS debt than retirement. >> Meaning, because of this and absolute. enablement and no consequences for her. actions and no learning from her.

previous mistakes. Because of that, she. is going to be like. little cracks in a sinking ship as you. guys are headed towards retirement. How. are you going to be able to keep this. [ __ ] ship afloat? How are you going to. be able to do that? How are you going to. be able to take care of this household. in retirement in a couple decades? Cuz. it doesn't make any sense. She's. literally making it so she can not only. contribute nothing, but will have. liabilities hanging over her head. >> That's a damn good question. I didn't.

realize she was in that much debt. >> Dude, I know you love her. I'm not. saying there's no love here. There has. to be something because I'm saying there. has to be something. >> and I'm assuming that is love. >> But dude, love cannot blind you from. reality. And this Karen is literally. literally holding this marriage down. Not letting it go to any towards any. semblance of financial success. Just.

paying our mar our mortgage alone is not. an indicator of good finances. It's not. It's the whole picture. And she's. blowing all the money. She wants to. spend $200,000 renovating this house. >> Yeah, I think that's garbage. >> Yeah, that is garbage. Tell me about it. Tell me how these conversations have. gone. cuz I don't know how she's. financing that. >> Yeah, exactly. >> She has these Well, she has these ideas. about what she wants to do for the. house, but then she says, "Oh, but this. is 5 10 years down the road.".

>> But 5 10 years down the road from her. pre road from the previous bankruptcy is. $32,000 in bad debt, spending more than. she makes a month by hundreds of dollars. and having nothing in retirement. So. where in the next 5 to 10 years is she. going to have $200,000 for this house? Exactly. When when she starts talking. about it, I I commend her for the ideas. because, you know, it's good to have. dreams. It's good to have imagination, you know. It really is. And maybe we. might be able to do it, maybe we won't.

be able to do it, you know. Do you think. you might just be too passive? Because I. think this is why she's kind of. uncontrollable right now. >> Maybe. Loving doesn't mean enabling bad. behavior. I know you love. No one is. questioning the love here. We really. aren't. And I I am not questioning for a. single second that she loves you. That. doesn't mean we just roll over and we be. passive to bad behavior, especially if. it might the relationship. Finances are. one of the leading causes of divorce in.

this country. We already know she's able. to go through divorces. I want you guys' marriage to work. That. means the finances need to work within. this marriage. And just rolling over and. say, "That's a good idea and that's a. good dream." Well, that's allowing her. to accept that maybe it actually is a. possibility in 5 years, but there's no. chance. $200,000 into a renovation when. she has almost $0 in retirement at 42 is. [clears throat] not a thing that's even. remotely acceptable. She needs to get to. a couple hundred,000 today in.

retirement. >> Mhm. >> No, I agree with you. >> So, we can't just roll over. We can't. Do you ever Do you stand up in this. relationship financially? Do you stand. up ever? >> Yes, I do. >> What does that look like when you stand. up? >> Uh, it turns into a fight. >> Tell me. Tell me. Tell Give me like an. example of what that looks like. I want. some insight. >> Um, uh, when was the last time that we. fought? It's been a little while. >> Is it cuz you guys put it off because, you know, it turns into a fight, so we.

just allow things to happen. >> No. No. There was one fight last year. about finances because she took a. financial freedom class that was offered. through our church. >> and about how paying off. >> Go ahead. >> No, no, no. Sorry. Continue. >> And it was about paying off debt as. quickly as possible. >> Sounds like Ramsey's program, right? Sounds like Yeah. Okay. So, she's a. David Ramseith fan. >> Okay. We love that cuz that's usually.

offered through churches. uh she. certainly hasn't followed that looking. at these. Listen, that's actually a. pretty good program. Um that's that's. not a invalid expenditure if it actually. improves life. Same with our educational. programs. There's there's good things. out there. But you got angry at that. >> Well, there was one day that she wanted. me to drain the savings account to pay. off debt, and I said absolutely not. >> Probably down to $1,000. >> Exactly. And because that's that's not. just.

our money as well, but it's also kind of. a rainy day fund. If one of the cars. breaks, if one of the dogs needs to go. have emergency surgery, if there's. something with the house that our house. warranty doesn't cover. >> And this is why you guys having separate. finances and not communicating on what. the whole financial picture of the house. is did not work. It failed because she. wanted to go nuclear in a full direction. without even having a conversation with. you first. Dave Ramsey's program, our.

financial program, anyone's financial. program does not work unless you guys. are fully aligned hand in hand, ready to. go into battle, but you weren't aligned. at all. You didn't hear the messaging, the preaching about the $1,000 and all. this stuff. And I disagree with that as. well. I I don't think that's enough. I. think you need a onemon emergency fun. highest deductible. But either way, >> you there as well. >> But either way, she she can't crusade. into this without you. It doesn't work. like that. You guys have to be on the.

same page, which means you guys actually. need to talk in a healthy way about. finances. You need to know what her. finances look like. She needs to know. what her finances look like. She needs. to know what your finances look like. And you need to know what yours look. like. And we need to know what the. household looks like. And we need to get. on goals together. Are you afraid of combining because of. her bankruptcy? >> No. I'm com I'm afraid of combining. because of her spending. >> Yeah, >> because if we had a combined bank. account, we would be living paycheck to. paycheck. >> Rebuttal. >> Um, that is not the case. I think that I.

could. I can, you know, rain in my spending. sometimes. >> She says she can re in her spending. sometimes. That doesn't necessarily make me feel. comfortable for combining finances. Oh, she can sometimes reign in her spending. Okay, I would understand not wanting to. combine as well. But here's the thing. If we if we're married and we're headed.

for the rest of life together, we need. to find a way to it doesn't the people. can do the uncombbined, but I think your. guys's uncombbined going in separate. directions without talking is doing a. disservice to you guys because you guys. are flailing in different directions and. she's just again making all these cracks. in the ship of the marriage financially. speaking. So, even if you guys don't fully combine. accounts, would Jack, would you be open. to at least combining the conversation.

of here's the entire financial p picture. of our household and here's the goals we. want to do together and here's what we. can agree upon and middle grounding to. get to those goals. >> Oh, absolutely. >> Okay, good. Cuz I think that's how your. marriage remains financially healthy. going forward. >> Okay. Any final thoughts on this before. we let you go? No, I just got to get. back to my patients. >> Yeah, stick a needle in them. >> I shall.

>> Thoughts on all that? Definitely sounds. like you're the one. I'll be honest. >> Well, my thoughts are it'll be fine. Like I said, and he he's going to be. >> concrete thoughts. >> It's going to be fine. How? You've gone. through bankruptcy before, never learned. anything, and this is what it's. resulted. It's going to be fine. I would. like to hear an argument of how. >> an argument of how I can stop spending. some of my money. >> Good. That sounds great. Why didn't you? And why didn't you? If you can, why.

didn't you? If you went through. Ramsith's program last fall, >> WELL, THESE STATEMENTS WOULD LOOK very. different. I'll be honest. So, if you. could, why haven't you? >> Because I still like to buy things. >> Oh, very good. That's not changing when. you leave this room. There's not a. magical spell that happens when you. leave the financial audit studio that. says, "Oh, I don't like to buy the. things I like to buy anymore.". >> Well, I I can change. >> Then why haven't you would be the.

question that I would follow up with and. now have? >> I guess I haven't changed it because I. didn't want to. >> Then why the are you here? >> Well, we'll see if I want to. >> What? I'm going to waste my time. Why. the would I give a [ __ ] to see if you. want to? I want to help people when they. want to be helped. But to see if you. want to you. >> what do you mean me? What for? What? I I. didn't do anything. >> Okay, I do want to change. I want to. renovate my house.

>> No, you need $200,000 in retirement at. your age before you even contribute a. single scent to uh renovation. What are. you trying to do? Renovation? >> What am I trying to do? >> That was the question, Karen. >> Okay. I want to redo the floors. I want. to put in a new kitchen. I want to do. update my bathroom. >> How updated is your house? >> It was built in ' 68 and it still has a. lot of the original stuff. So, yeah. >> In 1968. >> Yes. >> Okay. I would understand wanting to.

renovate. >> Doesn't mean you can or it makes sense. to, especially if you're not even on the. title. >> Well, I'll get my name on there. >> Okay. What do you think your financial. score is? 0 to 10. Zero being the. absolute worst. 10 being the absolute. best. >> My financial score is four. >> Okay. Yeah, sure. Mhm. Listen, bankruptcy. Sure. You if you want your. Hammer financial score, see where you. stand, take the quiz, take the. assessment. It is free and it just takes. a few minutes at calehammer.com. See. where you stand in the world of money, where you're doing poorly, where you're.

doing good, and how you compare against. other people. It is awesome. And if you. don't want to be like a guest who ends. up on the show, make sure you download. the new and improved Dollar Wise. budgeting app. It is absolutely. incredible. It is everything you'd ever. need and want in a budgeting app. It. ain't all that extra [ __ ] like wine. where it's impossible to get through. their onboarding or Dave Ramsey's app. where they force you to do what they. want to do instead of it being a. personal financial situation for you. Rocket Mortgage or Rocket Money where. they probably want to send you sell you. a mortgage or even like Monarch has.

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>> It's going to be fine. Like I said, >> so when David sees this, what does he. think? Wow, that's one of my financial. gazels right there. >> Um, I'm starting to pay that down. And. >> no, I have the statement. Q. No. >> Yes. >> No. Summer is the perfect time to get. your budget in shape. And now that. Dollar Wise is officially the best. budgeting app on the market, I'm giving. you a special deal to download, but only.

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3.5 APY interest rate. Guys, you can. watch Financial Audit and get free money. at the same time. Who would have. thought? That's incredible. Check it. out. Link in the description below. It's. at a $4,5715. That is over the limit. You don't know. what the you're talking about. How long. does this take to pay off if you only. make your minimum payments, which you. only made your minimum monthly payment. and you don't spend. I just saw you look. at the numbers, so you probably know. Cheater. >> Did you see the number? >> I didn't see the number. >> How long does it take?

>> Three years. >> Okay, dude. Is this because you've never had to. think in your life the guy just takes. care of everything? >> You're sexist. You're making me be sexist. And that's. not fair. 20 years. >> Oh, okay. >> Oh, yeah. That's when you're supposed to. be retiring, by the way. >> Yes. >> And you'll only be starting to pay off. of this one card. And you know why? That's because you've never paid off. your debt before. Bankruptcy did, a man. did, and a man did again. And a man will. do because honestly, he sounds like a.

pushover. Sounds like a nice guy, but he. sounds like a little [ __ ] pushover. Okay. This 2016 barista mustache for. you. >> Yes. And it looks great. >> Yeah. A decade ago. I'm sure it does. A. decade ago. If that's what your style is. decades ago, then please don't be. renovating any of my houses soon. I have amazing style like we've. discussed. >> Uhhuh. Somehow Josh agreed with you. So.

yeah, he'll probably pay off your debt. and you will have learned nothing again. and that's honestly likely the outcome. of this conversation cuz well you didn't. walk away from Dave Ramseith with. anything. I mean, I listened to what. they said. >> And then you're like, "Hey babe, let's. pay off all the debt and with our. savings and by our savings, his. savings." So, you wanted to drain his. savings down to pay your debt. It's. It's stupid. It makes no sense. Which. also I wouldn't even recommend doing. I.

don't know what Dave I haven't listened. to Dave in a a hot second. But if David. doesn't say you have to change your. behavior from pulling from all your. savings first, then he's wrong. Because. we've seen time and time again, if you. don't change your behavior before you. take a fast track, you're going to get. right back where you were again. Debt. consolidation, credit card transfer, bankruptcy, you name it. And that's. exactly what you've done. So, I'm glad. your husband didn't do that. I'm glad he. didn't do that. How much was in savings. that you tried to pull? Um, a few.

thousand. >> from his savings. No. How much? Come on. >> I don't know. >> What's the point? You don't. A few. months ago, you don't remember. And then. you did nothing except for keep this. over the credit limit somehow. You must. have been purchasing just recently. Then. $169 minimum payment. You're only making. the minimum monthly payment. Since this. takes 20 years, you'll be 62 and this. card will be gone. What is wrong with. you? What is wrong with you, dude? >> There is nothing wrong with me. I. >> Oh, [ __ ] Come on. Let's not Let's. not play pretend. Let's not say things.

we don't mean. >> Need things you don't know. What did you. get? Sure. What did you spend in here? >> Um, I think I got some new clothes, some. new shoes. >> That's our need. That's our need. That's. ouring need. >> Yes, I needed it. We had a party for. work and I needed a new outfit. >> What? What would have happened if you. didn't show up with a new outfit? >> Embarrassment. >> How? [sighs]. >> I needed to look really good. It was a. big special event and we had a big open. house and so I needed a new dress. I.

needed some new boots. >> What would have happened if you wore a. dress that you wore a year ago? What. would what have been the what would have. been the consequences? >> I mean no necessary consequences. >> Then you don't know what the word need. means. Cuz when I hear need, I hear need. meaning there's going to be something. that happens if you don't need. No, you. wanted to. You wanted an excuse to I. mean I'm being told looking at your. previous previous spending like you. endlessly go get necklaces, earrings, bracelets and every time it's not not.

even necessarily something nice and we. can tell you but you still go drop about. 500 a piece. You you go for quantity. over quality. >> I go for quality and so that's why it's. more expensive. >> You wear trumpet earpieces. >> Those are beautiful and they were only. like 120. >> I know. But you stack up to $500. purchases across the board cuz you just. buy [ __ ] buy [ __ ] buy [ __ ] buy [ __ ]. adding everything into the cart. Doesn't. matter cuz it's cheap. You just get it. all the time. And then we all know it's. cheap. We can tell. >> I needed a new bra and.

>> needed. No, no. Stop using this word. need. You don't get to use the word. need. You don't know what the word need. means. I don't think you know why it. just I mean it just hit me again. You've. never experienced the need. You've had. someone bail you out at every instance, including your brother letting you live. in his basement. And I'm not saying he. necessarily shouldn't have after a. divorce, but you've had someone bail you. out every single second of your life. You've never experienced the need. A. struggle. A problem. >> I have experienced problems and. struggles. >> What? What? What?

>> Well, having to live with my brother, that was a struggle. >> You entitled You absolute entitled man. What is wrong with you? Yeah. What was. the struggle? I had lost my job and so I. needed somewhere to stay. >> Read today about a 10-year-old girl with. Down syndrome. I read about Did you say. want. >> you got bailed out? What was the. struggle of being bailed out? >> Struggle is you're not bailed out. You. got to figure [ __ ] out. >> I figured it out by moving in with him.

>> So your struggle is that someone else. bailed you out. and got the whole basement to yourself. >> Well, not the whole basement, but. >> Oh, no. Tragic. What trauma? I know. I. really wanted the whole sports court to. myself. >> What? What? I don't know what that means. You. I feel like you just gave an inside. reference to your own family on a. podcast. Like I don't know what the [ __ ]. a sport does. Does he have a gym in his. basement? A whole gym. >> A sports court. >> Okay. You guys are rich. I like Okay, good. So, a rich daddy build you out.

>> Well done. >> Thank you. >> You've never experienced struggle, right? >> Is that your big struggle that you dealt. with one time was moving in with your. brother? Yes, >> that's where the tears are going to. flow. >> Yeah, I didn't have any other options. So, that was a struggle. And he let me. stay there. How is that not a struggle? >> Cuz you immediately got build and you. got a whole nice ass basement. Losing a. job sucks. I mean, that sucks. It. doesn't feel good. >> Yes, >> but you never on the brink of. homelessness. You were never on the. brink of actually an actual struggle.

You've always had a man to bail you out. Stop making this a sexist episode. What. is wrong with you? >> I'm not making it sexist. You are. >> kind of just I'm not really. It's just. based on everything you say and you you. you want to be Tad all the way anyway. >> Well, I just think that a man should. take care of the woman. So, yeah, if. that's tad, >> um I mean, if that's how you guys want. to live your life, sure. But like at. that point, then it would be spending. from his account and you're instead just.

racking up debt in the background that. he's going to have to take care of. He. thought you had $10,000 in debt. So, this isn't him just taking care of you. This is you abusing your position. >> I wouldn't say abuse. >> Of course not, because you would never. want to take accountability for. anything. >> No. >> Yeah, we know that. We listen to you. We. know people like you. Unfortunately, it's like everyone now. >> Okay, dude. You had What is this? You. had late fees. You had late fees. >> I had a late fee. >> Uh, you had about two or three late.

fees. I was at a 32.49% interest rate. $1,200 last year. What the is wrong with. you? What the is wrong with you? >> Are you sure? There was more than one. late fee. >> Yeah. Mission Lane's own HOA Karen came. and charged you with a late fee. You got. punished. >> I didn't realize that. >> Karen, meet Karen. >> I am not a Karen. >> Brandon, can you come over here for a. second? Can you come over to her side. and stand next to her and just pull her. mic uh to you as well? Uh you're the. second Mexican I'm bringing in, so. hopefully you make up for the last one.

Josh says she doesn't look like a Karen. Um do you agree with Josh? Do you agree. with me? You're a super Karen. >> Thank you. What the was Josh talking. about? >> Respectfully. >> Thank you for the respect. >> Yeah. I mean, you got sideburns with. your hairstyle. >> Yeah. This is horrendous. >> Or it's over the limit fees, which means. it was happening all year. Like, what. the wrong with you? Kare Credit, right? This is usually for dog [ __ ]. >> That is for dog [ __ ]. >> For dog [ __ ]. >> Oh, it was for dog [ __ ]. >> It's over max out. That usually doesn't. happen with dog [ __ ] That usually means.

you're not paying. >> Well, I did have to pay for dog [ __ ]. It's a fee. >> Have to pay for some dentistry. >> Did you have to pay for late fee? That. just happened. Late fee. >> Oh, I forgot to pay that one. >> Why? Why'd you forget to pay that one? >> Well, I just don't always think about. it. >> Why not autopay? If the man's supposed. to take care of you, as your tradoman. says, then why have you your own credit. cards anyway? Use his credit cards. He. pays for them. What the is this? You're. trying to be independent yet be wrapped.

up in trad. Make it make sense. It. doesn't, Karen. >> Okay. So, I can be partially. independent, but he can take care of me. in. food and housing and stuff, but then I. can still make money to buy the things. that I want. >> So, well, I'm not saying you can't make. money, >> okay? >> But you're not paying on your own bills. You you seem to want the both the be. best of both worlds where he takes care. of all the big overhead cuz the man. takes care of the house and then you go.

and spend all your money on literally. anything and everything you want instead. of having to contribute anything to the. household. You literally just want the. best of both worlds. >> I contribute some stuff to the. household. >> Well, a little glocky glocky here and. there. Good. I'm glad he's happy. >> Yes. >> What else do you contribute to the. household? an idea of a $200,000. renovation that he doesn't even want or. think you need. >> I I take care of the kids, which are the. dogs, so I pay for everything for them. >> Thought there was about to be kids in. this conversation. You really threw me.

for a loop real quick. >> And. >> okay, the dogs, so easy. >> Well, they require grooming every 6. weeks, and that's expensive. >> Oh my goodness, you are a broken. individual. Every 6 weeks, you cover. grooming. That's your contribution? >> No, I pay for all of their food and all. their vet stuff. >> Okay, vet stuff could be big, but. listen, not even necessarily. He said he. has the savings just in case something. happened to the dogs. How many of dogs. do you have? >> Miniature schnowzers.

>> Oh, you are a Karen extreme. >> How is that, Karen? >> Come on. That sounds like an al is that. not a Karen dog? >> Not a Karen dog. >> Schnowzers are super popular. >> Schnowzers. Let me look them up. >> It's a Can you please show him the. picture with the eyelashes? Mhm. They're. they're pretty food. >> Oh, those are caring dogs in the. extreme. What do you mean? Absolutely. they are. And also, they're not they're. very tiny. Their food is not expensive. Even the expensive food is not. expensive. You've never had big dogs. You can't tell me it's expensive. I.

don't want to. Their grooming is also. going to be cheaper, too. Yeah. Yeah. Pretentious [ __ ] dogs. Yeah. >> Those lashes are real. >> and I'm sure they're very cute and I. would love them in person, but you're a. Karen. You just keep being more Karen as. we go on. Well, they have to have. specific type of food. So, yes, it's. more expensive. >> Yeah, more expensive, but it's still low. portion and it's lower hair to cut, too. This is your big sacrifice of the house. Wow, what a hero. >> I know. >> Should make a statue WITH OH, PROMOTIONAL BALANCE. OH, one just ended. a week ago. Oh, you got the deferred.

interest me. So, this is substantially. higher now. Fees. Interest late fees. Oh, you had approximately five late fees. last year. [laughter]. >> Five late fees. Maybe maybe you should. actually let a man deal with all his. [ __ ] cuz maybe you can't handle. independence. Look at this. This is a. disaster. You're ruining all all. theinging decades we've had a feminizing. and uh woman power. You have just thrown. back to the dumpster. >> Okay, explain. Tell me. >> You're throwing us back to feudalism for.

women. >> What did I get a late fee on? >> What? What? >> You got another late fee on that one? >> Yes. You've had five last year. You. can't be trusted. >> You want independence? No. No. >> Yes. >> No. >> How does that show? >> Cuz you can't that I can't be. independent. >> Cuz you didn't make half your payments. last year on time. >> What do you mean? How does that not. show? What the are you talking about? You're making me look like a. [gasps]. the most I'm not even close to. I don't. give a But [laughter] you're advocating.

for independence yet having a man take. care of you. And then you do this. What. kind of look does this show? >> Which card is that? >> Oh my goodness. It's the care credit. Do. Karen's not remember the last 5 minutes? >> No, we don't. >> Mhm. At least you acknowledge it. Care. >> care credit. >> of which deferred interest just hit a. week ago. [ __ ] You can't be You can't. be trusted to manage [ __ ] Not for a. single second. >> It's at 40% interest. 40% interest.

You're. you're. a firm. That's a [ __ ] ton of money on a. firm. What the [ __ ] are you getting on a. firm? Oh, Amazon. Pull up your Amazon. Oh, lady. Miss Care. Miss Care and N. What have you done? $2,3921. on a firm. You're a [ __ ]. You're a [ __ ] Assuming your minimum.

payment is about 577. and then you replenish. Replenish. Replenish. Replenish. Starting a screen. recording. Thanks for not connecting to. Wi-Fi. >> I did. >> It says you're on 5G. Let's see. Ah, doesn't matter. Loading anyway. Okay, let's see. Quit smoking patches. >> I don't smoke. The nicotine patches are. for energy and for focus. >> patches. Why aren't you just zinning it. up? Where is it? I don't have it with.

me. >> Where do you put it? >> On my chest. >> Is that normal for people who don't. smoke? >> I've never heard of this. That's That's. usually for people who smoke. >> Nicotine is a good um. supplement. So, >> wait, are you prescribed aderall? >> Yes. >> This is why she's like this, by the way. She just she took one. She took an. Adderall and a caffeine pill in the. green room. I'm being told this is. making a lot of sense why you sound like. oh my god I'm a [ __ ] actor.

>> I need to have a little pep in my step. during the day cuz I don't sleep well at. night. >> Well, cuz you're morbidly obese. You. need to be able to step around things. >> Yes. At least. >> you need to be able to make it to the. other side of the room somehow. Also, what the why do you not believe in do. not disturb? Okay. You got a little you. got a little plushy. You got salt. What's. >> Oh, that is electrolytes. You know, are you working out. substantially? >> No. >> Then you don't need it. You know, through a most normal healthy diet,

people are getting the electrolytes they. need. Unless they are walking and. aggressive or unless they are working. out and aggressively sweating, then you. need electrolyte replacement. >> No, you should never drink water unless. it has salt in it. >> Never. >> That's what Dave Asprey says. >> I know who it is. >> Okay. Well, Lindsay Lindsay knows that. one. >> Proof coffee guy. >> He is. Oh, and that's the fat. The fat. in your coffee for your brain. Okay. Brandon would be a big fan, Lindsay saying. Uh, lots of plushy.

things. You get these sheeps. Are you. obsessed with sheeps? >> It's lamb chop for the dogs. >> Okay. Air filter's fine. Why are you. climbing in all this stuff, though? Lots. of hair [ __ ] Lots of hair [ __ ] Um, gosh, it's a mix of things that are okay. or overbought and then [ __ ] It's. stupid with that. The fact that you're. affirming all this [ __ ] Pull up your. affirm. Pull up your affirm. Oh [ __ ]. Oh, you're going to Seattle this Friday. for a concert. $600. Who you seeing? So.

that's what you're [ __ ] clowning in. being a dumbass. Who the are you saying? >> I went and saw Rocky Votelato in Seattle. last weekend. >> I keep looking at everyone for these. names. YOU WHO ARE YOU TALKING about. ever? Rocky Vodelto is my favorite. musician and he had his 20th. >> burns gone up to 3,135. >> So that one is higher. >> What the is wrong with you?

You're not a credit card person. You. don't UNDERSTAND [ __ ] OKAY. YOU DON'T. UNDERSTAND [screaming] [ __ ]. >> I AM A CREDIT CARD PERSON. >> A credit card person is not just because. you use a tool. >> to get what I want and then I'll pay it. off. [ __ ] off. [ __ ] off. You're. >> I mean I have been called [ __ ] by. someone with Down syndrome before. So. [laughter].

okay. I'm glad you got the validation. Delta. Lots of Delta. Yeah, you're going. everywhere. A lemon paper. What is a. lemon paper? >> Elemon paper is I got a new planner and. I needed some new planner inserts. because. >> planner inserts. >> Yes. >> Oh, you just over. >> so that I can plan my day. >> You are such a. >> have some budget planning inserts. >> Shut the up. >> I mean, I'll use them one day. >> Just use the dollar wise budgeting app, [ __ ] You get it for free for the rest.

of your life. >> Okay. I'm also putting you through the. master your money program that comes. with a premium version of dollar wise, but also. it comes with all of our classes, our. debt class, budgeting class, investing. class, real estate class. You need to go. through all of it and I'd go through it. with him as well. Yeah. Going going on a. trip to Seattle to see someone no one's. ever heard of for hundreds of dollars. right before coming on Financial Audit. is insane. That is a crazy move. Well, I. have been planning it for like 6 months. >> to see Voladado.

>> Rocky Votilato. >> Who? Name a song. >> Makers. >> Sing it. >> Death Keeps Calling Me. >> No. Try to put some tune to it. >> Death Keeps Call me. [singing]. She's going to set me free. No more. sunshine. streets or misery. >> Do we know this? Oh, and you spent money. on that [ __ ] Okay. Well, your new. affirm minimum payments likely 783. if you're paying it in four. We'll see.

Okay. And I know I'm sure those are like. weekly split out weekly and whatnot, but. Apple Card. What's going on here? >> Well, Apple Card is for typically when. I've run out like that. Like. >> when you run out of money, you run out. of money every second of your life. >> I need to get gas or something. >> You spend more than you make. Three. years to pay off my. >> I drive a lot for work to work. was. gas money. I drive 45 minutes to work. and it usually takes an hour to get. home. >> What the is wrong with you? Why is why.

why do you live so far? >> Because city isn't that big. You must. live on the complete opposite end of the. metro. >> I live up in Ogden so. >> uh I don't. >> and it's because that's where my. husband's job is and so that's where we. purchased the home. >> Trad home by Well, I don't see any. purchases on here. You made your. minimum, but I guess you probably do on. a normal basis purchase on here. >> Yes. It's [ __ ] crazy, dude. It's just. crazy. Hundreds of hours in interest, 25.74% interest rate. I just don't. understand how you're living your life. Why are you living your life? Listen,

maybe I'll get you a [ __ ]. certification from course careers and. accounting, too. Most people out there. use that to improve their income. situation, but I'll gift it to you so. you can understand numbers. >> Math can be hard sometimes. So, >> not this basic [ __ ] I don't at math. Don't get me wrong. Finances are basic. math. Okay? Basic math. Quicksilver. You're spending on it. Why are you. spending on a card that is over a limit. that is acrewing interest that you. cannot pay off to save your life? >> I don't know what I'm buying on that.

one. >> You don't even know what you're doing, dude. You're over the limit on. everything. $5123. Minimum monthly payment 28 bucks. Takes. 2 YEARS TO PAY OFF. EXCEPT NOT REALLY. BECAUSE YOU'RE GETTING FEES, you're. getting interest, and you are spending. on it. You are spending on it. Well, like I said, if in between paychecks I. needed to get something or coffee. >> If you don't take care of the overhead, you shouldn't have an issue. You. shouldn't have a issue. It was a late.

fee. >> Another late fee. >> Wait, another late fee. >> I swear I pay these things on time. >> Okay. Well, you just broke your oath. >> Okay. >> Cuz you literally do not. So, I I don't. know what to tell you. Interest. occurring, fees acrewing, and you got an. Amazon purchase, and we saw your. Amazon's. They weren't 100% necessity. for living. >> I mean, I guess toy is not a necessity, but it was really cute, and I wanted it.

>> Why does he deal with this? Oh, cuz he's. a pushover. That's right. I forgot. >> It's cuz my tits are big. >> And don't forget, I want you to be on. the next episode of Financial Audit. So. go to calebhammer.com/apply. or click that link in the description. below. You'll have a great time and I'm. going to roast the [ __ ] out of you. Starbucks is [ __ ] and a waste of. money and you already know that by. making your coffee at home and invest in. the rest. So now you need to do that.

with your energy drink as well. MAKE. GAMER SUBS AT HOME FOR JUST 40 cents a. serving. And honestly, it literally. tastes better. And we proved this. accidentally via a blind taste test in. our Hammer Elite show, Fat and Fatter. >> The number one ranked energy drink is. Gamers. >> Literally, the cherry flavor is insane. >> Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersubs.gg. or click that link in the description. below. Type in code Caleb.

Good on you, guy. My tits are big, too. You don't see people putting up with my. [ __ ]. >> Are you sure, >> Lindsay? Do you put up with my [ __ ] Cuz. I got big tits. Oh, >> okay. I just wanted to make sure. >> Cuz she does put up with. >> big pockets. That's why. [sighs]. >> Schwab Tire Center. >> Lewab that I had to get new tires. >> Oh, Lewab. I apologize. Lewab. >> Lewab. Yes. I had to get new tires for.

my. >> You couldn't just favor all your none of. your money goes to overhead. There's no. way you couldn't just get new tires. >> Yes, I don't have that car any longer. >> You still owe on tires on a car you. don't own. What happened to this car? >> We traded it in for a better car. >> What kind of car do you have? >> Well, I mean, a newer car, but not. >> What kind of car do you have? >> 2014 Hyundai Santa Fe. >> Well, it should be paid off in a few. months. I mean, you owe 36854. What How. much were your new tires? >> I think they were 1,200.

>> When did you get these? like a year and. a half ago, maybe two years ago. I don't. know. >> Okay. Well, you've been paying on it. forever. $111 is your monthly. Listen, I'm not freaking out about that. But. what I am freaking about is this. What. is this? Is this a CLA? >> That is Yes. >> What? >> That's CLA. >> Pull it up. Ticket Master Converse. Etsy. What are. you getting on Etsy? What the are you. getting on Etsy? Huh? >> Uh Huh? What are you getting on Etsy?

Huh? I got a few things for like a dress. I. think I got. >> the converse to those, right? >> Yes. >> Okay. This one. >> Imagine Cla being a Karen. Your Karen. your [ __ ] Clara being a Karen. It's. impressive. There's your ticket master. Converse. It's just It's crazy. That's. crazy. Listen. Okay. Minimum on this is. likely of the 293.68.

So stupid. Why are you paying a boring? >> It just makes it easier for me because. >> Does it because you don't make your. payments on time. So does it actually. make it easy? >> I do make those payments. Those ones are. automatic. >> I don't trust you. I don't believe you. Yeah, but if you don't have enough in. your account, it bounces. >> That's true. >> That's true. >> It just Okay, so I know I'm going to. have the money, but I want it right now. >> What if you get laid off again? Remember. when you got laid off? That sucked. >> Well, >> I don't think people do a lot of. renovations when we're in a recession. And the job market's a little me.

>> Partly GDP numbers were good last time, but still. >> I didn't get laid off. I was fired. >> Why? >> For sexual harassment. >> Who' you harass? >> The maintenance guy who was sending me. nudes. I smacked his butt. and then they fired me. I was like, he. was sending me nudie pictures. Why'd you. smack his butt? >> Well, they were all joking around and. they had uh new outfits, so.

>> what? >> A man was sending you nudes? >> Yes. >> Consensually? >> Yes. I mean, I I wasn't really. responding to him, but it was after my. divorce. >> You invited them? >> No, I didn't invite them. >> I was chatting with him and then he sent. that to me. >> What the dude? Guys are out there just slinging images. What are we doing? Men, get your [ __ ]. together. But it didn't bother you.

>> No, it didn't bother me. >> You liked it. The attention. >> Well, he was cute, I guess. >> So, you you you liked it? >> Yes. >> Did And you didn't encourage anymore? >> No, I didn't encourage it. >> How long was he sending you peeps? >> Well, he only sent me one. >> And it wasn't fully I guess it wasn't a. full nude. He had a towel on. Oh, so it. wasn't a nude. >> I guess not. >> Doesn't make it necessarily appropriate, but there is a there are degrees. I know. on the internet everything's a nuclear. 10 out of 10 at all times, but just like.

murders, there are degrees. >> So, he had been flirting with me. He. sent me a picture in a. >> flirting back. >> Yes. >> Okay. Okay. Okay. You made it sound like. out of the blue. This all of a sudden. becomes I'm not saying not. inappropriate, but much more normal in. the real world that flirting can get to. something slightly salacious. >> Yeah. So, >> and then at work you smacked them in the. butt. What did this look like? >> Oh, nice new pants. Smack. >> Did he report it? >> Apparently somebody else reported it cuz.

they felt uncomfortable. >> Christian should have been fired like 50. times now. That dude can't keep his. hands off men's asses. Especially Brandon. Oh my gosh. He loves. you. He loves that [ __ ] those cheeks. [sighs]. Yeah. Let's get HR in here. Okay. >> Let's get HR in here. I want to see if. you should have been fired or not. because I mean I don't know if you guys. were flirting. Obviously different. tolerances companies are afraid of. lawsuits and whatnot. Um.

was it a big thing? >> I mean it turned out good because I. didn't love that job anyway and. >> him afterwards. >> No, >> you didn't even get anything good out of. it. >> No, nothing. I don't. >> That sucks. >> Oh, I guess it doesn't suck. Oh, he was. cute at the time, but I was like I. didn't really care. I had just gotten. divorced. It was before I met my current. aunt. But. >> that's when we rebound for a little. insertions here and there. >> Yeah, for here and there, but. >> how much did that you when you got. fired? >> Oh, it me that's when I I had just got.

divorced. I lost my job and that's why I. had to move in with my brother. >> How did you maintain your lifestyle. though? >> I just kept thinking that I would. everything would work out and I would. just get another job. Well, we don't know where HR is, huh? Okay, never mind. Okay, well, let's keep. going. Zabble. What the is a Zabel at 24.03%. interest rate? The is this? >> That is a personal loan that I got to. pay off my cards and.

>> Oh my goodness. So, you did it twice. Bankruptcy, no less. Consolidation, no. lesson. And you're consolidating at. 24.03% interest. That's basically a. credit card. THAT'S BASICALLY A CREDIT. CARD. >> WELL, I found my dream chairs. So, I. also. >> dream chairs. What is wrong with you. again? You look like one out of Taco. Bell from the8s. >> I found my dream chairs. >> How? What is a dream chair? >> A dream chair is. >> Oh, I shouldn't even What? >> It is the suspension chair from Star.

Trek the Next Generation. And so, >> okay, show me. What the are you talking. about, dude? Your minimum you're going. to be paying this off forever. $272. You You recurred almost $2,000 in. interest. [screaming]. You had fees. I think you had a late fee. every month last year. >> I don't think every month. >> Okay. >> I think every month. >> So, these are the suspense chair.

>> Make sure we put these on screen. Let's. see what this is. Let's see what a. $10,000 24% personal loan never paying. on time with $550 of late fees is all. about. You don't even have them at the. ready. Your dream chair cuz apparently. that's something people have. >> Bro, these look like. >> So they are on Ted Forward on Star Trek. the Next Generation. And they're so.

cute. They're so cool. They're very. comfortable. Yes, they are. So, I got four of the one arm chairs and. two of the no arm chairs. >> Where are they? >> The no armchairs are in my living room. and the other chairs are waiting to be. reupholstered. >> They're very cool. >> Oh, you don't care about anything that. is um needing to be cared about in your. life at all? >> Come on. >> You don't give a [ __ ] about anything.

important. >> I do. No, you are just you you. are not a good person financially. >> But I'm a good person. >> I can't comment on that. But if you're. Karen. things towards the beginning are true, I. would actually advocate no. And you've. had this for 2 years now and it's still. this. This is chaos. This is insanity, dude. This is insanity. Late every month. last year. >> No, >> you had to have been. Unless every late.

fee is just like insanely expensive. >> I've only had that one for 1 year. And. >> no, January 2024. It's 26 now. >> Was 2024. I thought it was 2025. >> I'm being told 24. >> It was 2025. I swear. >> Well, even still, it's horrendous. That. doesn't all make it better anyway. >> Okay. >> Answer on the way down at that time and. it's still so like I don't even I don't. even want to hear it. This is absolutely. ridiculous. Now I understand why you. don't have money cuz you've been for.

things with all the money you do have. Who has this style? Who wants those. chairs? That's not who does this. >> They're very cool. And when I. reupholster them in a really fun fabric, >> so it's not even the Star Trek chairs. anymore. You reupholster it into. something else. >> Well, no, it'll still be the Star Trek. chairs. It'll just have like an updated. look to them. >> Oh my fashion forward, if you will. Okay. Student loans for what?

>> For a while, I thought I might want to. go into aesthetics. So, I. >> What is going into aesthetics? >> Skincare, facials, that kind of stuff. >> So, aesthetician like that. >> That's called aesthetics. >> Aesthetics. Yeah, >> aesthetics. >> Correct. And so, I started school for. that. >> Oh, you would have made almost. absolutely nothing for a very long time. By the way, >> I decided no, that's not for me. So, I. stopped that.

>> But you spent thousands and thousands. and thousands on that cuz you still have. a balance of 4367. When did you do that? >> Oh, 6 years ago. >> Is wrong with you? What's your minimum. monthly payment on this? >> 53. >> Why? You should have to pay more. You don't. do poorly. You just spend all your money. and everything. Why are we Why are we. subsidizing you? Pay more, [ __ ]. >> I will pay more when I can. You never. can. You get Star Trek chairs. You're a. [ __ ] You're a Karen, dude. You're No,

no, no. Shut the up. What is this? This. is a checking account. You have $23.64. on here. Okay. Venmo 25 bucks. Oh, there's so. much on here. Venmo again. 25. WHO ARE. YOU VENMOING? >> I'M VENMOING MY DOG WALKER. >> I thought you were the one who takes. care of the dogs. You're the special. princess who takes care of the dogs. the. queen of the house. >> Shut the by paying the dog walker. >> Burger. What is burger? Burger. >> It was my phone case. >> What? Why are you having two payments to.

it? >> Oh, because I also got a case for my. MacBook and a case for my iPad. [clears throat]. >> What? >> A case for my MacBook. >> Oh, MacBook. I heard MacBook. >> Door Dash. You Palm Beach tan. Mhm. >> I need to go tanning. >> Uh-huh. Door Dash again raising canes. Alta. ATM withdraw. Don't even know where the. that went. $63.50. Going in needing some [ __ ].

Boop. Bows. coupe. McDonald's. Venu out money. Perfume. Ven. money. Flannel. GOING IN IS A [ __ ]. GOING IN IS A [ __ ] What are you. getting for $618 from the gas station? Because it's multiple times. >> Start Starbucks Frappuccinos every. morning on the way to work. >> at Exxon. >> At 7-Eleven. >> at 7-Eleven. >> Yes. >> Starbucks Frappuccinos. >> Yes. Just the little glass little ones. Yes. Like the. >> Make your coffee at home, [ __ ].

>> Well, I do make some at home before I. leave, but then I need another one. >> What the? You are a broken individual. This makes no sense. Why not get actual. real coffee from a place that's cheaper. than that? >> Well, it's two of them for 68. >> Buy them from bulk from the grocery. store. They sell them at the grocery. store for cheaper in bulk. >> No, it's actually like the same price. >> No, it is not. It's impossible. Lies. Lies. I don't believe it. >> I swear to you. >> Well, you already swear to me before and. you broke that. Amazon. Bo. What is Bok? You go there all the time.

>> Boku is the bakery by my work. So, I'll. go there to get a cookie or. >> Oh my goodness. You don't You are What. is wrong with you? How many coffees do. you have a day? >> Probably caffeine pill and aderall in. the green room. Dude, your heart's going. to explode. It might, but also you're. very out of. >> five coffees a day. >> What? That with morbid obesity and. caffeine pills and Adderall? >> Yes, >> I know. I know. >> Can you get me my backpack, please? >> Supposed to have 400 milligrams of.

caffeine a day, but I usually go a. little bit higher than that. >> For what? Okay, you can get four from. Walmart. The Frappuccino is seven bucks. 7.78. It's double the price the way. you're doing. >> But those are smaller. The fourack is. smaller. I don't know and I doubt not. from the. >> fourack is smaller cans or smaller glass. bottles. >> You're the blackhaired version of that. [ __ ] from Harry Potter that locked down. the entire palace. >> I've never seen it, so I don't know what. you're talking about. >> How have you you What? You got to watch. it every Christmas. What is wrong with.

you? You have You have You just don't. live life. You I swear you you What is. wrong with you? Thank you. Thank you. I'm going to ask why I'm carrying this. around cuz I have a lot of weird things. cuz I'm a [ __ ] weirdo. But it's okay. What's your heart rate? Put it on. Yeah, you have to turn it on. Sit. Let. it think.

My gosh. Boop. Boop. McDonald's. Raising. Canes. Audible. Go to the library. Boop. Venmo. Venmo. Get in your little coffee. Pets Smart, Venmo, B Coup, B Coupe, Barracotta, Barracotta, Barracotta, Barracotta, Bel. Olympia Hill Service, Chick-fil-A. This. is an insane amount of spending. Going. and getting your coffee, Domino, Subway, Hills Service, Megaplex Theaters, Apple. Bill, Etsy. You're getting a lot of [ __ ].

on Etsy. Coffee, Amazon, Demetri Martin, Amazon, Amazon, Venmo, Subway, Spotify, Megaplex at the Gateway, Ice House, Overdraft. You're overdrafting for this. coffee and bow coop. >> What I needed is that 99. >> What? I'm No, that's your oxygen, you. [ __ ]. >> It's 110. I don't think you should be. sitting with 110. Not sitting. Walking. Sure. Maybe if. you're if you're a heart high heart rate.

individual, but if you're at this, should you be taking Adderall. if you're sitting? I don't know. Also, I. have a note. It is labeled off [ __ ]. 12pack of 13.7 ounces for $33, which is. 2.75. uh uh per bottle. >> Where? >> Off [ __ ]. >> I'll go to the grosser then. >> Yeah, I mean, if you're trading it up, aren't you supposed to anyway? >> Oh, no. >> Of course not. Again, you pick and. choose what you like. Oh my goodness.

Last year you had 17 overdrafts on here. You Karen freak failure. What are you. doing? And I know you're not going to. fix this. I don't even understand. You. went to David Ramsith and you did. nothing. Have you called to David? >> No. >> Okay. Why you answered like that? 417. And this I would definitely switch from. SoFi and go to Chime. It is much better. Much better. Better high yield, better. services, and a better signup bonus. $350. Okay, >> $350 when you sign up for a direct. deposit. It's incredible. But you're. still going in and getting the.

coffees. Wendy's Wendy's coffee. Wendy's. coffee. Uh, [ __ ] Amazon. Amazon. Amazon. Amazon. B Coupoop. Perfume. Olympus Hill. service. Stopping at a store getting. something 150 bucks. I don't know. Varo. Amazon. McDonald's. Alexa skills. A. [screaming] there's MORE. coffee McDonald's coffee door dash and. Chick-fil-A coffee Amazon Amazon Venmo.

coffee door dash Amazon coffee Amazon. McDonald's Amazon coffee Amazon article. coffee coffee Amazon [screaming]. >> coffee. >> Door Dash Amazon Bio I don't have. Olympic hill service Amazon Amazon Door. dash reading can put your door dash down. healthy yourself anyway and pack a lunch. you dumb [ __ ]. >> I try [clears throat] to try to How do.

you try to pack a lunch? WHOOPS. OH, I. FAILED. >> I TRY TO BE PREPARED. >> WHAT? >> Sometimes I do forget it even though I. packed it. >> Oh, you How are you like this? You You. have no accountability in your life. whatsoever. You have never been able to. hold yourself accountable. No one has. ever been able to hold yourself. accountable. You're an entitled [ __ ]. brat. hardware Amazon tailored queen bee. g [ __ ]. savings $296. put it in put it in chime instead it is. a better high yield savings rate than.

that sofi I was a fan for a second but. honestly kind of shitty compared to. chime. >> okay I'll switch. >> and plus better signer bonuses $350 I. mean it's crazy only if you use my link. chime.com/caleb. um and then yeah so I mean 7780 bucks in. retirement which is dramatically behind. for your age. All right, let's let me. budget this. I don't even think you can. stick to it, though, cuz you're an. entitled [ __ ] freak. >> I can stick to it if I set my mind to. it. >> Yeah, sure. Let's get all those five. brain cells working. Let me get.

Sorry, I'm just being mean, but I hate. Karen's. I really do. Minimum monthly payment. And this. includes your paying fours, which makes. it difficult. I will be honest. It makes. it difficult. But the thing is, I'm gonna keep them in. because it's a thou [ __ ] It's just. weird because if you pay it off and. don't put anything else on there, yeah, your minimum payments are immediately. going to go down. But the thing is, you probably built all the way back up.

again. I mean, when I opened your firm, it was even higher than the statements. you gave us. So, debt minimum payments. probably,100. or $1,62.17. a month. You can quickly get it out with. the paying force. Income $4,000. What do. you contribute to the mortgage? >> I contribute, let's see, $1,100 for the mortgage, my car, and I. don't know what it is separately. I just. paid. >> Okay, that's fine. Yeah, I didn't see a. card yet, so he did it for you cuz.

again, you can't do anything yourself. Wrong independent woman. >> Yes. >> Uh, is that include internet, electricity, gas, and all that [ __ ] as. well for the house? >> Wow. Phone bill. >> That's all included as well. >> Wow. Look, you are being subsidized by. this man. I can't believe he's just. allowing this to happen. Listen, you can. use Helium if you ever need your own. phone service. I'm sure it's good in. Salt Lake City because it's just. T-Mobile service. As long as it's good. there. It's a very price effective. program. Highly recommend it. 15 bucks a. month for service. Gas, room, drive, drive. You say I spend a lot. >> I spend $50 a week. So.

>> that's a lot. Oh my. I Yes, it's expensive, but you were. going to make it sound like it's $1,000. in gas, car insurance. That's included. >> Oh my goodness. What is wrong with you? How do groceries work for the house? >> He takes care of them. >> Oh my goodness. Listen, TP fun. Anything. else you need to survive? 150 bucks. Sure. Whatever. Medical healthcare. Their co-pays. >> Yes. >> Hopefully a dramatic amount of therapy. Except they're probably enabling you. But go ahead. How much? What's your. co-pays? >> 25 therapy session. [clears throat].

>> How many therapies? >> So once a month. >> Yeah. Double it up, triple it up, quadruple it up, or see a different. therapist. I don't know. Jim, >> none. And I know you don't feel. encouraged to go because you think. you're perfect. So. >> I don't feel encouraged to go at all. >> Well, good. He'll be very happy when you. drop that at 65. Subscriptions 40 bucks. Pets. Yeah. Get some pet insurance. Does. he pay for that or you? >> Yes, he does. And we have pet insurance. >> How much for pet food? >> I $50 a month. >> Wow, that's your super crazy.

contribution. How much for the every. month and a half grooming? >> It is 160 for both of them every six. weeks. Okay. [laughter]. Oh, we'll put it 100 bucks a month. You. That's a great contribution. How much. for the dog walker? >> About $50 a week. >> Okay. Anything else that needs to be in. this budget?

>> Not that I can think of. >> How much hairspray? That was the. That's about $35 a hairspray can. >> Okay. And you go through one a day. >> I go through about one a month. Okay. >> Is that true? Okay. Well, that's in your. TP fund, which actually I would need to. update your TP fund. It's called 200. bucks. Which I'll add 50 bucks. Okay. Now, listen. I mean, sure, you have money. left over, but you're just not going to. do anything. You're going to get your. coffee. You're going to be a dumb. This.

is like whatever. Okay. [panting]. $482.83. left over. Sure, why not? $33,76723. minus the $4,367. of student loans with this $4.82 a. month. Pay off your debt. I mean, it's. just fine cuz he's subsidizing. everything. 5 years isn't that bad cuz. he'll pay for you guys to go out to eat.

and stuff. That's if you actually follow. this. Just don't spend money on. [ __ ] Pay off your debt. You'll be. debt free. Get a fully funed emergency. fund, I guess, for your side. Then you. need to start contributing to. retirement. [ __ ] this renovation. Maybe. do some things as you need them along. the way together. You guys just need to. be together. This is just this is so. [ __ ] stupid. I don't know. I don't. know. We might call him in the post show. um to figure out what is his thoughts. after all this. But you can pay that. off. He'll treat you. He'll give you the. luxuries. You all your money needs to go. to taking care of your now. I just don't. think it's going to happen. I hope it.

does. Let's get your hammer financial. score. Spending in a budget money over. spent 0 out of 10 debt. No collections. What? Wait, isn't there IRS debt? Oh, sorry. We'll talk about that in the post. show. Where was that? I didn't even see. a zero out of 10. That's a zero out of. 10. We'll talk about that in the post. show. Kill me now. Emergency fund, nothing in savings, 0 out of 10. It's. like 200 bucks. Retirement one out of. 10. Dramatically buying real estate, you're not entitled. 0 out of 10. Call. Hammer financial score, round it up.5. out of 10. Get yours at kaleammer.com. Now, click that join button for three.

premium shows posted every single day, six days a week for an extra 20 minutes. of this episode, the financial auto post. show. We got to talk about the IRS then. Probably call back the husband. What the. So, what the is going on with this IRS. that. >> Well, I was previously. and I wasn't saving enough money to pay. my taxes. >> And you just found out. >> I had a payment plan set up. I thought. >> I thought I was making payments on this. I thought this. I thought this. What the. Don't forget the summer budget RESET IS. NOW LIVE. GET A FULL YEAR OF DOLLARWISE.

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